Employers' Liability Insurance
Protecting businesses against financial losses and legal liabilities arising from workplace injuries or illnesses suffered by employees during the course of their employment.
- Cover for employees
- Cover for volunteers and work experience/interns
- Cover for family members
Employers’ liability insurance is one of a few compulsory insurances. Companies that employ one or more members of staff, whether paid or volunteers, require this cover.
Employers’ liability policies cover claims made against your company in the event of accident, injury, or illness sustained by your staff at work or as a result of work.
The Alan Boswell Group Difference
Alan Boswell Group is one of the UK’s top independent insurance brokers and can offer your company impartial advice about the types of insurance your business needs and the appropriate levels of cover you should consider. Employers’ liability is a fundamental part of protecting your business and we will work with you to ensure this and all other relevant business risks are covered while providing a competitive service.
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Employers’ liability in detail
Your certificate of employers’ liability insurance
After purchasing an employers’ liability policy, your Certificate of Employers’ Liability Insurance must be displayed in a prominent position within each of your business premises. Alternatively, the certificate can be made available to employees in an electronic format. Please note that failure to display or produce the current certificate to either the Health & Safety Executive or Local Authority may result in your prosecution and a fine being imposed. There is no longer a legal requirement to retain old certificates, however we do recommend that you maintain a record of your employers’ liability history for reference purposes.
Following purchase of your employers’ liability policy you will be required to provide your ERN (Employer Reference Number) to your insurance provider to log your insurance details with the Employers Liability Trading Office database in order to make it easier for an employee to make a claim, if required in the future.
If you are employing people and don’t take out employers’ liability insurance you could face a considerable fine for every day that you don’t have cover in place.
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Whether you need a quote, have a general enquiry, want to register a claim, or want to talk it through over the phone, we're here to help.
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